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Apply in store or online for Lowes card??

New Contributor

Apply in store or online for Lowes card??

About a year ago I applied online for the lowes card and was approved with a starting cl of $500, which was no problem for me. However my brother has just closed on his first home and is now looking to update a few things. Seeing as how a starting cl around the $500 mark isn't enough to cover what he's looking to do, will he have better odds of a higher initial cl if he apps in store?

His tu fico is around 670 and his history if pretty clean with the exception of a co for a parking ticket from abot 2 years ago.
Message 1 of 10
9 REPLIES
Moderator Emerita

Re: Apply in store or online for Lowes card??

It doesn't matter but after the approval he should call and request a CLI. Did you call after your approval?
Message 2 of 10
Super Contributor

Re: Apply in store or online for Lowes card??


09Lexie wrote:
It doesn't matter but after the approval he should call and request a CLI. Did you call after your approval?

+1 If after approval its not enough have him call the backdoor number GE/credit solutions for an increase 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 10
New Contributor

Re: Apply in store or online for Lowes card??

No, I waited a couple months then called ($500 to $1k). Then again a few months later ($1k to $5k)

I'll tell him to apply online right now then.
Message 4 of 10
Super Contributor

Re: Apply in store or online for Lowes card??


ssdc1980 wrote:
No, I waited a couple months then called ($500 to $1k). Then again a few months later ($1k to $5k)

I'll tell him to apply online right now then.

Tell your brother good luck

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 5 of 10
Contributor

Re: Apply in store or online for Lowes card??


ssdc1980 wrote:
No, I waited a couple months then called ($500 to $1k). Then again a few months later ($1k to $5k)

I'll tell him to apply online right now then.

Anotehr useful tactic is also to call from the store when he is trying to make a major purchase with his card. They will often approve the CLI in order to facilitate the sale.

FICO 04 scores: 809 (EQ) 812 (EX) 818 (TU)

Amex Platinum NPSL - Citi HHonors Sig. $58k - BMW Ultimate $40k
Chase Sapphire Preferred $62k - Merrill Lynch + Signature $41k - USAA Rate Advantage $28k
NFCU Flagship Signature $50k - USAA Cash Rewards AMEX $28k
Citi Platinum Select / AAdvantage Signature $31k - Chase Amtrak Rewards World MC $41k

Message 6 of 10
New Contributor

Re: Apply in store or online for Lowes card??

I gave my bro the Lowe's recon number and after 15 mins and 2 reps he was still stuck with $1000 cl. I then suggested that he apply for the Home Depot card to see what they could do for him. He came to my house and applied online and was approved for $750. After seeing how disappointed he was I told him to call the back door number same as before and see if they would cli. He called and spoke with a very nice rep whom after 3 or 4 mins approved an increase to $3500. He was more than happy.

Today, because of what I've learned from these forums and its amazing contributors, I was able to help my brother get a credit card that will help him tremendously to fix/update his first home.

Thank you everybody for your help
Message 7 of 10
Moderator Emerita

Re: Apply in store or online for Lowes card??

Congrats to your DB! He has you to thank for his successful mini-spree.
Message 8 of 10
New Contributor

Re: Apply in store or online for Lowes card??

And he did so by taking me out for a fast food dinner.. All expenses paid!! Haha.
Message 9 of 10
Super Contributor

Re: Apply in store or online for Lowes card??


ssdc1980 wrote:
I gave my bro the Lowe's recon number and after 15 mins and 2 reps he was still stuck with $1000 cl. I then suggested that he apply for the Home Depot card to see what they could do for him. He came to my house and applied online and was approved for $750. After seeing how disappointed he was I told him to call the back door number same as before and see if they would cli. He called and spoke with a very nice rep whom after 3 or 4 mins approved an increase to $3500. He was more than happy.

Today, because of what I've learned from these forums and its amazing contributors, I was able to help my brother get a credit card that will help him tremendously to fix/update his first home.

Thank you everybody for your help

Congrats to your brother 

And a big BRAVO to you for passing the knowledge forward 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 10 of 10